What We Do
The Finance Agency is a Perth-based mortgage and finance broking firm led by principal Hanif Ibrahim — 15 years of WA finance experience, $500M+ in settled deals across residential, commercial, and private lending.
We’re not a volume shop. We specialise in the deals that require thinking:
- High-LVR residential purchases where standard lenders are conservative
- Self-employed and business owner income structures
- SMSF property loans — residential and commercial
- Commercial finance for Perth businesses
- Private lending for time-sensitive or non-standard transactions
- Bridging finance for buyers who need to move before selling
Our 93% success rate on complex applications is not a marketing number — it reflects a specific approach: we assess your deal before we submit, target the right lender the first time, and only proceed when we believe the deal will settle.
Why Perth Borrowers Use a Broker
Working with a mortgage broker gives you access to 20–40+ lenders rather than one bank’s product set. More practically, it gives you access to a specialist who:
- Knows which lenders will assess your income most favourably
- Can negotiate rate discounts and fee waivers not available direct
- Prepares your application to match the specific lender’s credit criteria
- Manages the approval process and coordinates settlement
- Carries a Best Interests Duty — legally required to act in your interests, not the lender’s
For borrowers with standard PAYG income and clean credit, the benefit is access and efficiency. For professionals and business owners with complex income structures, the benefit is often the difference between approval and decline.
Our Services for Perth Borrowers
Residential Home Loans
First home buyers, upgraders, investors, and high-value purchasers across Perth’s premium suburbs — Dalkeith, Nedlands, Applecross, Claremont, Mosman Park, and beyond.
We access 40+ residential lenders and have strong relationships with lenders who specialise in complex income, non-standard properties, and high LVR scenarios.
→ Home Loans for Professionals
Commercial Finance
Business purchases, commercial property investment, development finance, and business loans for Perth operators.
→ Commercial Finance Broker Perth
→ Working Capital Finance Perth
Private and Specialist Lending
When speed matters or standard policy doesn’t apply — private lenders offer flexibility at a premium. We have direct relationships with Perth’s private lending market.
SMSF Property Loans
Structured correctly, an SMSF property purchase in Perth is one of the most powerful wealth strategies for business owners. Structured incorrectly, it’s an ATO compliance problem.
We handle the credit and lending side — coordinating with your SMSF auditor and financial planner to ensure the structure is sound before we approach a lender.
How It Works — 3 Steps
Step 1: Free Consultation (45–60 minutes)
We map your financial position, understand the goal, and identify which lenders are most likely to approve your deal. No application, no credit check, no obligation.
Step 2: We Build and Submit
We prepare your application to match your target lender’s specific credit criteria — not a generic template. We manage the submission, respond to credit queries, and negotiate on your behalf.
Step 3: Approval and Settlement
We coordinate approval through to settlement — managing the relationship with solicitors, the lender, and any other parties. Average settlement time on complex deals: 31 days.
Our Credentials
| Credential | Detail |
|---|---|
| Experience | 15 years in WA finance |
| Volume | $500M+ settled |
| Complex deal success rate | 93% |
| Settlement average (complex) | 31 days |
| Membership | MFAA (Mortgage & Finance Association of Australia) |
| Location | Perth, Western Australia |
| Specialisation | Residential, commercial, private, SMSF |
Perth Suburbs We Serve
The Finance Agency works with clients across greater Perth. We have particular experience with clients in Perth’s premium residential and commercial precincts:
South of River: Applecross, Ardross, Rossmoyne, Attadale, Bicton, Mount Pleasant
Western Suburbs: Dalkeith, Nedlands, Claremont, Cottesloe, Mosman Park, Swanbourne
Inner Perth: Subiaco, South Perth, Victoria Park, Como
North and East: Karrinyup, Duncraig, Floreat, City Beach, Mount Lawley
Frequently Asked Questions
How much does it cost to use The Finance Agency?
Our service is free for most clients. We’re paid by the lender when your loan settles. For particularly complex engagements, we may charge a service fee — always disclosed upfront and in writing before you commit.
How many lenders does The Finance Agency have access to?
40+ residential and commercial lenders across major banks, non-bank lenders, and specialist credit providers. For private lending, we have direct relationships with Perth-based private credit providers.
What types of deals does The Finance Agency specialise in?
We specialise in deals with complexity: self-employed income, SMSF structures, high-value residential, commercial finance, bridging loans, and private lending. If your application was declined elsewhere or you’ve been told it’s “too complex” — that’s often our starting point.
How quickly can you get finance approved?
For standard residential deals: 2–3 weeks from submission to formal approval. For complex deals (SMSF, commercial, bridging): our average is 31 days. In some scenarios, we can access pre-approvals within 24–48 hours through specific lender relationships.
Do I need to come into an office?
No. We work with clients across Perth and WA remotely. Initial consultation via video or phone, documentation collected digitally. We’ll meet in person if you prefer.
Can you help if I’ve already been declined by a bank?
Yes — and it’s important to act carefully here. Additional declined applications affect your credit file. We assess your file first, identify the reason for decline, and target lenders whose policy aligns with your situation before submitting anything.
Book a Free Consultation
If you have a deal that needs specialist finance — or you simply want access to the full market rather than one lender’s opinion — start here.
The Finance Agency
Perth, Western Australia | MFAA Member